{
\def\sym#1{\ifmmode^{#1}\else\(^{#1}\)\fi}
\begin{tabular}{l*{10}{c}}
\hline\hline
                    &\multicolumn{1}{c}{(1)}         &\multicolumn{1}{c}{(2)}         &\multicolumn{1}{c}{(3)}         &\multicolumn{1}{c}{(4)}         &\multicolumn{1}{c}{(5)}         &\multicolumn{1}{c}{(6)}         &\multicolumn{1}{c}{(7)}         &\multicolumn{1}{c}{(8)}         &\multicolumn{1}{c}{(9)}         &\multicolumn{1}{c}{(10)}         \\
                    &Race \& inc.         & Segregation         &Race, inc., \& seg         &+ Interaction         &+ Loan controls         &+ Options (Main)         &   Northeast         &     Midwest         &       South         &        West         \\
                    &        b/se         &        b/se         &        b/se         &        b/se         &        b/se         &        b/se         &        b/se         &        b/se         &        b/se         &        b/se         \\
\hline
& & & & & \\ 
 \emph{Year of origination:} & & & & & \\ 
2005                &       1.761\sym{***}&       1.827\sym{***}&       1.755\sym{***}&       1.755\sym{***}&       1.505\sym{***}&       0.896\sym{***}&       0.730\sym{***}&       0.803\sym{***}&       0.952\sym{*}  &       0.951\sym{**} \\
                    &     (0.029)         &     (0.030)         &     (0.028)         &     (0.028)         &     (0.025)         &     (0.016)         &     (0.029)         &     (0.017)         &     (0.020)         &     (0.017)         \\
2006                &       2.541\sym{***}&       2.696\sym{***}&       2.523\sym{***}&       2.521\sym{***}&       2.084\sym{***}&       0.762\sym{***}&       0.552\sym{***}&       0.678\sym{***}&       0.811\sym{***}&       0.782\sym{***}\\
                    &     (0.040)         &     (0.042)         &     (0.040)         &     (0.040)         &     (0.034)         &     (0.014)         &     (0.023)         &     (0.015)         &     (0.018)         &     (0.014)         \\
2007                &       2.268\sym{***}&       2.324\sym{***}&       2.263\sym{***}&       2.262\sym{***}&       2.060\sym{***}&       0.621\sym{***}&       0.391\sym{***}&       0.573\sym{***}&       0.671\sym{***}&       0.640\sym{***}\\
                    &     (0.043)         &     (0.044)         &     (0.043)         &     (0.043)         &     (0.041)         &     (0.013)         &     (0.021)         &     (0.018)         &     (0.018)         &     (0.013)         \\
& & & & & \\ 
 \emph{Race \& income interaction:} & & & & & \\ 
Black \& income     &       1.023\sym{***}&                     &       1.023\sym{***}&       1.023\sym{***}&       1.008\sym{***}&       1.005\sym{*}  &       1.029\sym{***}&       0.999         &       1.010\sym{***}&       1.012\sym{***}\\
                    &     (0.002)         &                     &     (0.002)         &     (0.002)         &     (0.002)         &     (0.002)         &     (0.005)         &     (0.004)         &     (0.002)         &     (0.003)         \\
Hispanic \& income  &       1.037\sym{***}&                     &       1.037\sym{***}&       1.037\sym{***}&       1.022\sym{***}&       1.016\sym{***}&       1.025\sym{***}&       1.026\sym{***}&       1.018\sym{***}&       1.012\sym{***}\\
                    &     (0.001)         &                     &     (0.001)         &     (0.001)         &     (0.001)         &     (0.002)         &     (0.005)         &     (0.005)         &     (0.002)         &     (0.001)         \\
Other \& income     &       1.011\sym{***}&                     &       1.010\sym{***}&       1.011\sym{***}&       1.005\sym{*}  &       1.007\sym{***}&       1.015\sym{*}  &       1.007         &       1.017\sym{***}&       1.006\sym{***}\\
                    &     (0.002)         &                     &     (0.002)         &     (0.002)         &     (0.002)         &     (0.002)         &     (0.007)         &     (0.006)         &     (0.003)         &     (0.002)         \\
& & & & & \\ 
 \emph{Region:} & & & & & \\ 
 \emph{Northeast (ommitted)} & & & & & \\ 
Midwest             &       2.548\sym{***}&       2.682\sym{***}&       2.621\sym{***}&       2.611\sym{***}&       2.348\sym{***}&       1.648\sym{***}&                     &                     &                     &                     \\
                    &     (0.052)         &     (0.056)         &     (0.055)         &     (0.055)         &     (0.050)         &     (0.036)         &                     &                     &                     &                     \\
South               &       1.845\sym{***}&       1.720\sym{***}&       1.538\sym{***}&       1.569\sym{***}&       1.690\sym{***}&       1.118\sym{***}&                     &                     &                     &                     \\
                    &     (0.035)         &     (0.034)         &     (0.031)         &     (0.032)         &     (0.035)         &     (0.024)         &                     &                     &                     &                     \\
West                &       2.583\sym{***}&       2.263\sym{***}&       2.057\sym{***}&       2.073\sym{***}&       2.659\sym{***}&       1.668\sym{***}&                     &                     &                     &                     \\
                    &     (0.047)         &     (0.044)         &     (0.041)         &     (0.042)         &     (0.055)         &     (0.035)         &                     &                     &                     &                     \\
& & & & & \\ 
 \emph{Loan characteristics:} & & & & & \\ 
 \emph{FICO $<$ 620 (ommitted)} & & & & & \\ 
FICO (620-679)      &                     &                     &                     &                     &       0.951\sym{***}&       0.966\sym{**} &       1.154\sym{***}&       0.953\sym{**} &       1.010         &       0.974\sym{*}  \\
                    &                     &                     &                     &                     &     (0.011)         &     (0.012)         &     (0.032)         &     (0.016)         &     (0.014)         &     (0.013)         \\
FICO (680-719)      &                     &                     &                     &                     &       0.794\sym{***}&       0.814\sym{***}&       0.964         &       0.791\sym{***}&       0.868\sym{***}&       0.786\sym{***}\\
                    &                     &                     &                     &                     &     (0.012)         &     (0.013)         &     (0.036)         &     (0.020)         &     (0.016)         &     (0.012)         \\
FICO ($>=$ 720)     &                     &                     &                     &                     &       0.510\sym{***}&       0.563\sym{***}&       0.669\sym{***}&       0.509\sym{***}&       0.599\sym{***}&       0.575\sym{***}\\
                    &                     &                     &                     &                     &     (0.008)         &     (0.010)         &     (0.030)         &     (0.016)         &     (0.013)         &     (0.009)         \\
High cost loan (\textgreater = 300 BPS indicator)&                     &                     &                     &                     &       1.351\sym{***}&       1.296\sym{***}&       1.414\sym{***}&       1.239\sym{***}&       1.264\sym{***}&       1.357\sym{***}\\
                    &                     &                     &                     &                     &     (0.015)         &     (0.014)         &     (0.042)         &     (0.023)         &     (0.017)         &     (0.013)         \\
Loan to value (LTV) &                     &                     &                     &                     &       1.033\sym{***}&       1.005\sym{***}&       0.994\sym{***}&       0.984\sym{***}&       1.002\sym{**} &       1.009\sym{***}\\
                    &                     &                     &                     &                     &     (0.000)         &     (0.000)         &     (0.001)         &     (0.001)         &     (0.001)         &     (0.000)         \\
Purchase (vs. refinance) indicator&                     &                     &                     &                     &       1.187\sym{***}&       1.265\sym{***}&       1.105\sym{***}&       1.288\sym{***}&       1.309\sym{***}&       1.254\sym{***}\\
                    &                     &                     &                     &                     &     (0.012)         &     (0.013)         &     (0.028)         &     (0.020)         &     (0.017)         &     (0.012)         \\
ARM indicator       &                     &                     &                     &                     &       1.492\sym{***}&       1.490\sym{***}&       1.330\sym{***}&       1.225\sym{***}&       1.466\sym{***}&       1.605\sym{***}\\
                    &                     &                     &                     &                     &     (0.017)         &     (0.018)         &     (0.036)         &     (0.021)         &     (0.019)         &     (0.019)         \\
Modification indicator&                     &                     &                     &                     &       1.164\sym{***}&       0.901\sym{***}&       0.800\sym{***}&       1.135\sym{***}&       1.025         &       0.781\sym{***}\\
                    &                     &                     &                     &                     &     (0.017)         &     (0.015)         &     (0.033)         &     (0.028)         &     (0.020)         &     (0.012)         \\
PTI $>$ 31\% indicator&                     &                     &                     &                     &       1.053\sym{***}&       1.024         &       1.058\sym{*}  &       1.070\sym{**} &       1.019         &       0.996         \\
                    &                     &                     &                     &                     &     (0.014)         &     (0.014)         &     (0.029)         &     (0.022)         &     (0.017)         &     (0.013)         \\
\hline\hline
\multicolumn{11}{l}{\footnotesize National models are run on a 20\% sample.  Regional models are run on a 50\% regional sample.}\\
\multicolumn{11}{l}{\footnotesize \sym{*} \(p<0.05\), \sym{**} \(p<0.01\), \sym{***} \(p<0.001\)}\\
\end{tabular}
}
